The options can be bewildering and confusing to say the least.
You will have to consider whether - you will need to take your tax free cash option, purchase an annuity (if so on what basis), transfer certain benefits, take State benefits if available and so on.
Even choosing the type of annuity is fairly complex given the number of options and contracts presently available. This has been a hot topic in the press recently.
An independent advisor is best placed to seek out the best rates for you particularly as we have access to special terms and can negotiate special rates for smokers and those in ill health.
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